Gardeners Insurance
Our Gardeners insurance online quote form is quick and easy to complete
- immediate cover available
- download your insurance documents
- Pay by debit card or credit card (no admin charge)
- Very competitive gardeners insurance quotes from leading insurers
Gardeners Insurance summary of cover:
- Public Liability up to a limit of £5 million.
- Employers Liability at a limit of £10 million.
- Tools and business equipment (optional)
- Contract works, tools, own a and hired in plant (optional)
- Personal accident (optional)
- Commercial legal expenses (optional)
When considering gardeners insurance for your business, the basic cover that you should apply for is Public Liability Insurance. If you have any employees, Employers Liability should also be selected.
The definition of an employee is quite broad, click here to read an overview.
Our online quote service above will provide an instant quote, or you may wish to talk to a member of our commercial team who would be delighted to advice you on your gardeners insurance options. Call 01480 402 460.
Why do you need Gardeners Public Liability Insurance?
As an experienced gardening professional you will have heard stories of associates experiencing claims made against them for incidents, such as an accident, where their client has made a claim against them, even though you’d have thought they would have taken reasonable care.
The HSE have worked tirelessly with the relevant trade associations, to significantly reduce the overall number of incidents that may arise. However accidents do continue to occur, even to safety conscious businesses.
Gardeners insurance will afford protection against the increasing trend of Liability Claims. These can be prompted by television adverts, legal firms sending texts to their mobile phones or encouragement by family and friends, to take legal action to claim compensation.
Gardeners Insurance provides an indemnity up to your selected limit against the unpredictable cost of injuries and property damage involving directors, business partners, employees, labour only subcontractors and bona fide subcontractors who hold their own insurance.
We are able to provide immediate quotes cover of £1 million, £2million or £5 million.
This may sound like an excessive amount of Gardeners insurance cover, however with increasing focus being placed on compensation, a personal injury claim made against you, especially if someone was badly injured, would have significant consequences to your business.
Garndeners Employers Liability Insurance, the Business Benefits.
If you have someone working for you be it an employee or even a subcontractor who is not your direct employee but is acting on your instruction, you are legally required to have Gardeners Employers Liability Insurance.
In addition to Gardeners Public Liability Insurance and Gardeners Employers Liability Insurance you can include within your gardeners insurance policy cover for tools, hired in plant, and your own plant. Insuring will assist in their replacement if they are lost, stolen or damaged.
Always check the terms and conditions of your Gardeners Insurance Policy as inevitably there will be exclusions such as tools not being covered if left in your vehicle overnight, unless it is securely locked away in a garage.
Additionally Personal Accident cover can be included and also Legal Cover to your gardeners insurance should this ever be required.
If you would prefer to talk through your gardeners insurance with one of our commercial insurance team, phone us on 01480 402 460.
